Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Kh Credit Union, Inc.
Metric by metric
| Measure | Farmers & Merchants Bank | Kh Credit Union, Inc. |
|---|---|---|
| TellerScore | 74 | 79 (stronger) |
| Capital cushion | 72 | 80 (stronger) |
| Loan quality | 65 | 90 (stronger) |
| Earnings | 94 (stronger) | 41 |
| Funding & liquidity | 58 | 94 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 57th | 62nd |
| Total assets | $359.4M | $71.1M |
| Deposits / shares | $307.3M | $61.6M |
| Capital ratio | 12.16% | 12.95% (stronger) |
| Problem loans | 1.04% | 0.31% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.37% |
| Return on assets | 1.85% (stronger) | 0.52% |
| Loans ÷ deposits | 92.9% | 66.3% (stronger) |
| Uninsured deposits | 23.4% | 0.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kh Credit Union, Inc. has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 2 and Kh Credit Union, Inc. on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.